Richard Trace Hamilton
            300 Welsh Road, Apt 201 Horsham, PA 19044
            Office：215-555-1212
            Home：215-555-1234

      July 8, 2005
      Ms. Sandra B. Grasso
      Credit Technologies
      Three Bala Plaza, Suite 500
      Bala Cynwyd, PA 19004
      Dear Ms. Grasso:
      　　Thank you for interviewing me at Credit Technologies. I was impressed
      with the company and the type of banking services the corporation
provides.
      　　Your comments gave me a good understanding of the business and your
      expectations for the attorney you are seeking. I am confident that my
      background and experience in banking law and my ability to analyze
      statutes and regulations in detail could be useful to Credit Technologies.
      If you were to offer me this position, I believe that I could provide
      services that would meet the high standards of your corporation.
      　　I look forward to talking again with you soon.

      Very truly yours,
      Richard T. Hamilton